I thought the service was excellent and I received my claim cheque quickly and I was informed all the way about when then cheque would be issued. However I was very dissappointed that certain things were not covered like the exam and then there was a $100 deductable. I was not informed that every time I use the insurance the I will have to pay the $100. I'm considering cancelling and just putting money aside each month maybe the same amount I'm paying for the insurance that covers very little. I guess that is what insurance is all about.